Registered charge in title deeds - where to find the monetary amount?

Blox55

I  have title deeds with wording:

REGISTERED CHARGE dated dd/mm/yyyy to secure monies therein mentioned.
Proprietor: JOHN DOE and JANE DOE of StreetNumberNameAndAddress

How do I find out what the amount of charge is and what are the terms? I googled Land Registry but I cannot find anywhere what the amount of charge is or how to find it out? Or does this mean that the amount is not recorded anywhere?

Who/how removes this charge from deeds? What is the process?

Grabs39

The land registry won’t keep up to date details of any amounts of debts.  The creditor would be able to provide the owner with details of what is required to repay any outstanding debt.

The Land Registry wouldn’t be able to keep up to date records of any amounts.  The balance of a mortgage loan for example changes daily.

To discharge the charge the creditor (or their solicitor) would just contact the Land Registry to have it removed.

user1977

Would help if you gave us some context to why you're asking. I see you have some other threads about dealing with an estate, so if there are no clues in the deceased's papers, I guess you'd need to contact the chargeholders and ask them what they think the charge is still securing (if anything). 

The charge holder discharges the charge when they've been paid. If it were a "normal" charge for a mortgage, you ask the lender for the redemption balance, and they remove it on repayment. 

NeverTooLate

You can check whether the charge is still on the property by filling out form K15 and sending to land registry. It costs £1 for each name searched and is quite a quick process.

https://www.gov.uk/government/publications/land-charges-official-search-application-k15

Blox55

It is the weird one. The charge was from parent to son, put 30 years ago on a leasehold property bought at that time from parents. It has been repaid ages ago but never removed. It was one of "will get around doing it" and never done. The cancer and dementia that parents suffered in last years of their life made focus being elsewhere.

Now both parents have died, mother earlier in the year and father some years back. The estate has been left in a bit of mess with regards to the paperwork and we are trying to make a sense of it. Both parents are still on deeds as charge proprietors, yet the charge was repaid over 20 years ago. 

Blox55

NeverTooLate said:

You can check whether the charge is still on the property by filling out form K15 and sending to land registry. It costs £1 for each name searched and is quite a quick process.

https://www.gov.uk/government/publications/land-charges-official-search-application-k15

Thank you very much. 

Blox55

user1977 said:

Would help if you gave us some context to why you're asking. I see you have some other threads about dealing with an estate, so if there are no clues in the deceased's papers, I guess you'd need to contact the chargeholders and ask them what they think the charge is still securing (if anything). 

The charge holder discharges the charge when they've been paid. If it were a "normal" charge for a mortgage, you ask the lender for the redemption balance, and they remove it on repayment. 

The problem is that deceaseds were charge holders and they are not around any more to confirm the charge has been repaid. 

user1977

Well, what do the respective executors think? They can discharge it if they're satisfied the estates aren't owed anything. 

Blox55

user1977 said:

Well, what do the respective executors think? They can discharge it if they're satisfied the estates aren't owed anything. 

My husb and his brother are administrators (no will) and they both know it has been repaid. The sister (the third beneficiary, but not the administrator) also knows and agrees it has been repaid. So this is not an issue, what we did not know is what to do next, where the charge is held, who to write to and how to do all this when parents are dead and not here to confirm anything,.

AdrianC

Blox55 said:

user1977 said:

Well, what do the respective executors think? They can discharge it if they're satisfied the estates aren't owed anything. 

My husb and his brother are administrators (no will) and they both know it has been repaid. The sister (the third beneficiary, but not the administrator) also knows and agrees it has been repaid. So this is not an issue, what we did not know is what to do next, where the charge is held, who to write to and how to do all this when parents are dead and not here to confirm anything,.

The administrators of the estate act as the deceased.

The charge is held at the Land Registry.

If the administrators aren't comfortable with the procedure of removing the charge, then a conveyancing solicitor will do it for a relatively small fee.

GDB2222

Just to clarify, in case that's needed:

Your husband and his brother are the administrators.
They took over the powers of the two dead people, when they died. 
So, husb + bro can simply remove the charge.
They should ask a solicitor to help with the paperwork.